THE INSTITUTION'S SCORE
Capital works as a cushion against losses and provides protection for members when a credit union is experiencing financial trouble. It follows then that an institution's level of capital is a useful measurement of its financial strength. When it comes to safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, INFIRST received a score of 10 out of a possible 30 points, lower than the national average of 15.65.
INFIRST appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 10.00 percent in our test, below the average for all credit unions.